Inflation Calculator

Inflation reduces what a dollar buys over time. This calculator adjusts amounts using U.S. CPI history or a flat assumed inflation rate for forward and...

Modify the values and click the Calculate button to use.
Results

Enter values and click Calculate.

Schedule

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Introduction

Inflation reduces what a dollar buys over time. This calculator adjusts amounts using U.S. CPI history or a flat assumed inflation rate for forward and backward projections.

Purchasing Power

Inflation reduces what a dollar buys over time. This calculator adjusts amounts using U.S. CPI history or a flat assumed inflation rate for forward and backward projections.

CPI Mode

Consumer Price Index mode interpolates between annual CPI anchors for urban consumers—best for historical comparisons like "what is $100 in 1990 worth today?"

Flat Rate Mode

Forward flat rate projects future costs at a constant annual inflation assumption. Backward flat rate estimates past value of today's dollar.

Planning Impact

Retirement and college goals must beat inflation to grow real wealth. Read how inflation erodes savings.

Related Tools

Savings Calculator, Retirement Calculator, College Cost Calculator.

How It Works

  1. Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
  2. Click Calculate to run the Inflation Calculator engine. Invalid or empty required fields show a clear error message.
  3. Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
  4. Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.

Formula

This calculator applies the standard financial identity for its inputs: solve for the unknown variable while holding the others fixed, using consistent compounding periods.

FAQ

Yes. CDCalculator.io provides the Inflation Calculator at no charge for personal and educational use. Results are estimates and not financial advice.

The tool uses standard formulas lenders and planners use in spreadsheets. Your bank may round differently or include fees not modeled here.

Use the Copy Results and Print buttons on the calculator panel after you run a scenario. You can also share the page link with colleagues.

Focus on realistic rates, terms, and any extra payments or contributions. Small changes in APR or time horizon often move outcomes more than rounding.

No. Use this calculator to explore scenarios, then consult a qualified advisor or lender for decisions about other financial products.